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Credit cards offering 0% interest are as common today as ever, but realistically, it's getting harder for you to snag 0% credit cards. That's because pending credit card reform has major credit card lenders increasing APRs and looking only for applicants with excellent credit.

Most 0% credit cards also offer that attractive 0% rate for a limited time, frequently for just the first six months, and/or charge an annual fee that might eat up anything you gain by that 0% interest rate. Search for a 0% credit card with no annual fee, the lowest regular APR and the longest window of time at 0% interest so you can try to get your balance down to zero before the interest rate shoots up.

Here are 10 of the most popular 0% credit cards, according to Bankrate.com:

1. Capital One No Hassle Miles Rewards. This 0% credit card offers 0% interest on purchases until November 2010, with a regular APR of 13.90% and no annual fee. You earn 1 mile per dollar spent on purchases up to $1,000 and 2 miles per dollar spent above that amount every month. There is no limit and no expiration on the miles you can earn, with no blackout dates and no seat restrictions. Also, this 0% credit card has no foreign transaction fees. Or take it up a notch with the Capital One No Hassle Miles Ultra for Professionals 0% credit card, which varies in that it charges a $39 annual fee and offers 2 miles for every dollar spent.

Remember the days when gold credit cards were the gold standard? Then platinum credit cards became the new mark of exclusivity. Since then, the platinum of platinum credit cards have morphed into black, clear, blue, plum, titanium and every other color imaginable in the status rainbow. How do you choose?

The good news is platinum credit cards are more available to average consumers. You don't need the highest income or credit scores to qualify for members only benefits, but generally just need a solid credit history and a FICO above 650. If you pass the criteria, you can earn platinum credit card points redeemable for prizes and merchandise, tap customer service benefits, accrue frequent flyer miles, get discounts and reap cashback bonuses. Most platinum credit cards also guarantee over-the-limit services, so you'll never again have to deal with the embarrassment of getting your card declined.

Let's take a look at some of the best platinum credit cards on the market.